Why It’s Important to Keep on Top of Your Credit Score

In today’s world, your credit score tells the story of your reliability and how much trust a lending institution can provide to you. It’s a lot easier today than it ever was before to keep on top of your credit score to make sure that everything is fine.

It wasn’t too long ago when you would have to phone in and ask for a written copy of your credit report and wait until it was mailed out to you. Now, there are different websites available online that allow you to see your credit report and your score immediately and you can access these websites and all of the data free of charge.

When you credit score starts to go down, you need to get a handle on it immediately. What is causing your score to decline? Sometimes all it takes is a late payment on one of your credit cards to see your score go down. Maybe you missed one of your cell phone payments and it was reported to the credit bureau. By keeping a close eye on things you’ll be able to make sure that you handle all your payments on time every month without fail to keep your score as high as possible.

There are certain times when you may not be able to make a payment for one reason or another. In life an emergency may come up from time to time that you need to address right away. In these types of scenarios, you can apply for a payday loan with us to help get you through this tough spot. You’ll be able to save your credit rating this way and will be able to use the time to get caught up on your finances after the emergency.

Payday loans can help you save your credit rating by giving you just enough to make your payment or to cover your emergency. Find out more about these loans and how easy it is to apply for them by visiting our website today at or contacting your local Money Direct store.

Big City Property Prices Are Providing a Mortgage Crunch for Canada’s Young

Home prices in the larger Canadian centres such as Vancouver and Toronto are making younger people re-think the way they will approach the real estate market.
Younger couples and families are looking beyond the city borders now and are even considering averting their careers to start out in smaller cities or in satellite cities around the larger urban centres.

In Toronto, for example, the average price of a home has reached more than the million dollar mark at $1.08 million this August. In Winnipeg, however, the average price for a home is approximately only $300,000. Housing affordability across the country is extremely variable and as the prices of homes continue to rise in the urban markets, more and more young people are taking a look at all of their different options.

In the past, many young people were making their way towards the larger metropolitan centres such as New York, Vancouver and Toronto. This is where a number of jobs could be found and it was almost like a rite of passage for people that grew up in smaller cities and towns to head out to the larger cities.

Now, however, the options are more limited as young people not only consider the jobs available but also the housing market. In many cases, even with an appealing job market, the real estate scene and monthly mortgage prices are holding many people back.

It’s time to start taking a look at your options and learning more about the average price of homes in different towns, cities and other major urban centres across the country. If you are currently already in the real estate market and are having a hard time keeping up with your mortgage payments and need a short-term payday loan, please feel free to contact us today through our website at

Top Benefits of a Payday Loan

Payday loans can be a lifesaver when you find yourself in a difficult financial situation. When unexpected expenses arise out of the blue and you find yourself scrambling, a payday loan can save the day. Here are some of the main advantages of using these types of loans when you find yourself in a crunch:

Fast Money

When you provide all of the required information a payday loan can be approved very quickly. It’s a quick and simple application process and you can often get your money on the same day. If you are dealing with a bank it can take a week or longer to hear back to find out whether you have been approved or not. As well, when you need smaller amounts of money, the banks simply aren’t willing to work with you.

Simple Requirements

There are only a few simple requirements that you must meet in order to get a payday loan. As long as you have an income from a stable source that is verifiable and consistent, the odds are high that you’ll receive approval for the loan. There is no collateral required and you don’t need to earn a high amount of money to qualify.

Bad Credit

If you have found yourself struggling in the past and are dealing with bad credit, you can still get approved for a payday loan. You just need to demonstrate that you can pay it back on time. Your current working income acts as proof of the ability to pay back the money. If you have a pressing bill to pay and don’t have the funds available right now, the payday loan can get you through to your next paycheck. When you are trying to increase your credit score, you won’t want to have an unpaid bill affecting your score even further.

If you have found yourself in a situation where you need a payday loan quickly, please visit our website at to find the location nearest you.

Same Day Cash in Your Pocket for Gold

If you have any type of gold hanging around your home that you don’t want, pay us a visit at Money Direct today. We’ll give you cash in your pocket the same day for your unused gold. Selling gold is a quick and convenient way to get some cash whether you need it to pay a bill or have something special in mind you want to spend it on.

When you bring your gold into us we will inspect it to find out the quality of the gold and its value. We’ll let you know immediately how much we will offer for it and then you can make the choice whether you’d like to proceed or not. It’s a fast process and a great way to get some fast cash.

If you have broken pieces of jewelry in your home that you have always meant to get repaired but never got around to doing it, now may be the best time to simply cash them in. With the extra money you can go out and purchase a new piece of jewelry that you’ll be able to treasure in the upcoming years.

Take a look at your unwanted jewelry to find out whether you have something that could be converted to cash. If you’re like many other people, you have a stash of jewelry from days gone by that you haven’t worn in years and you no longer require.

You may be quite surprised to see how much your broken and unwanted jewelry is worth. Come in and visit us today to get a free quote. We are a trusted leader in the gold-buying industry and we look forward to answering any questions you may have.

Find out more about our locations and hours by visiting our website at We look forward to providing you with the best financial services available in the area.


If you have any questions about Money Direct products and services, please send us an email and our staff will be happy to assist. For loan application inquiries, call directly or visit any of our convenient locations across the GTA, Nova Scotia and British Columbia.


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